| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | SUPERIOR DENTAL CARE | $7K | — | $7K | 4.40% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 7.16% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.39% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.21% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.74% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 10.82% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.91% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $983 | $983 | 1.79% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $536 | $536 | 2.90% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $306 | $306 | 1.65% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $386 | $386 | 3.02% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $220 | $220 | 1.72% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $324 | $324 | 3.24% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $185 | $185 | 1.85% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $697 | — | $697 | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 424 WARDS CORNER RD, STE 12 LOVELAND, OH 45140 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $463 | $463 | 6.64% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $154 | $154 | 2.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $35K |
| OPTUMRX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 567 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 316 | $590K |
| Dental | SUPERIOR DENTAL CARE | 567 | $159K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 431 | $55K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $19K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $74K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 431 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.